Xero integrations / Payments / GoCardless
GoCardless + Xero
ListedFacts verified 13 Nov 2026
GoCardless collects bank payments (Direct Debit, ACH and PAD) against Xero invoices, including repeating invoices. A collected payment marks the invoice as paid and the fee is recorded as an expense. There is no monthly fee; UK payments cost from 1% + 20p, capped at £4.
| Works with Xero plan | Not reported |
|---|---|
| Regions | AU, CA, IE, NZ, UK, US |
| Syncs | 5 of 5 data types checked |
| Price | Usage fees, no monthly fee reported |
| Setup | Not reported |
| AI agents | Not reported |
| Facts last verified | 13 Nov 2026 |
| Best for | Businesses collecting recurring payments by Direct Debit against Xero invoices |
What syncs between GoCardless and Xero?
| Fact | Direction | Frequency | Detail | Source |
|---|---|---|---|---|
| GoCardless pulls invoices from Xero. GoCardless can be set as the payment method on individual or repeating invoices | Xero → App | Not documented | - | [s1][s7] |
| GoCardless syncs payments with Xero in both directions. A collected payment marks the Xero invoice as paid; a failed payment leaves it unpaid and flagged as needing attention | Two-way | Not documented | - | [s1][s2][s6] |
| GoCardless sends fees and payouts to Xero. The GoCardless fee is recorded as an expense in Xero | App → Xero | Not documented | - | [s1][s2] |
| GoCardless syncs contacts with Xero in both directions. | Two-way | Not documented | - | [s1] |
| GoCardless sends bank transactions to Xero. | App → Xero | Not documented | - | [s1] |
What does GoCardless not do with Xero?
- UK Direct Debit transactions over £2,000 cost an extra 0.3% on every GoCardless plan. minor [s3]
- There are two versions of the integration, GoCardless for Xero and GoCardless in Xero, with different features; switching needs GoCardless support. minor [s7]
- Automatic retries of failed payments (Success+) are only available for Direct Debit invoices. minor [s6]
- Payments created from Xero should not be cancelled in the GoCardless dashboard, or Xero may recreate them. minor [s7]
How much does GoCardless cost?
- GoCardless's Standard (UK) plan charges 1% + 20p per transaction, capped at £4 (excluding VAT, no monthly fee). [s3]
- GoCardless's Advanced (UK) plan charges 1.25% + 20p per transaction, capped at £5 (excluding VAT, no monthly fee). [s3]
- GoCardless's Pro (UK) plan charges 1.4% + 20p per transaction, capped at £5.60 (excluding VAT, no monthly fee). [s3]
- GoCardless's Standard (Australia) plan charges 1% + A$0.40 per transaction, capped at A$4 (no monthly fee). [s4]
- GoCardless's Advanced (Australia) plan charges 1.25% + A$0.40 per transaction, capped at A$5 (no monthly fee). [s4]
- GoCardless's Standard (US) plan charges 0.5% + US$0.05 per ACH transaction, capped at US$5 (no monthly fee). [s5]
- GoCardless's Advanced (US) plan charges 0.75% + US$0.05 per ACH transaction, capped at US$6.25 (no monthly fee). [s5]
- GoCardless's Pro (US) plan charges 0.9% + US$0.05 per ACH transaction, capped at US$7 (no monthly fee). [s5]
| Plan | Billing |
|---|---|
| Standard (UK) | per-transaction, 1% + 20p per transaction, capped at £4, excluding VAT, no monthly fee |
| Advanced (UK) | per-transaction, 1.25% + 20p per transaction, capped at £5, excluding VAT, no monthly fee |
| Pro (UK) | per-transaction, 1.4% + 20p per transaction, capped at £5.60, excluding VAT, no monthly fee |
| Standard (Australia) | per-transaction, 1% + A$0.40 per transaction, capped at A$4, no monthly fee |
| Advanced (Australia) | per-transaction, 1.25% + A$0.40 per transaction, capped at A$5, no monthly fee |
| Standard (US) | per-transaction, 0.5% + US$0.05 per ACH transaction, capped at US$5, no monthly fee |
| Advanced (US) | per-transaction, 0.75% + US$0.05 per ACH transaction, capped at US$6.25, no monthly fee |
| Pro (US) | per-transaction, 0.9% + US$0.05 per ACH transaction, capped at US$7, no monthly fee |
What do you need to use GoCardless with Xero?
- GoCardless works with Xero in AU, CA, IE, NZ, UK and US. [s1]
- GoCardless is listed in the official Xero marketplace. [s1]
Is GoCardless safe to connect to Xero?
Not reported. GoCardless has not yet published connection-safety facts. Vendors can add them free.
Can AI agents use GoCardless?
Not reported.
How does GoCardless compare?
Sources
- GoCardless on the Xero App Store (UK) (marketplace listing, retrieved 13 Nov 2026)
- GoCardless: Xero integration (vendor docs, retrieved 13 Nov 2026)
- GoCardless pricing (UK) (vendor pricing, retrieved 13 Nov 2026)
- GoCardless pricing (Australia) (vendor pricing, retrieved 13 Nov 2026)
- GoCardless pricing (US) (vendor pricing, retrieved 13 Nov 2026)
- GoCardless support: Retrying failed payments (GoCardless for Xero) (vendor docs, retrieved 13 Nov 2026)
- GoCardless support: GoCardless in Xero (vendor docs, retrieved 13 Nov 2026)
Change log
- 13 Nov 2026: Record created from public sources (pilot batch)
Cite this page: Lode (trylode.io), "GoCardless + Xero", facts verified 13 Nov 2026. https://trylode.io/xero/gocardless/
Machine-readable: JSON. Spot an error? Send a correction.
Work at GoCardless? Claim this page free to correct facts and add connection-safety details.
Machine-readable: JSON. Spot an error? Send a correction.
Work at GoCardless? Claim this page free to correct facts and add connection-safety details.